Workers have been paid after past shutdowns, albeit late. But there's no guarantee they will after any future shutdown.
More than a million have lost jobs during the pandemic.
As the partial federal shutdown continues with no visible end in sight, banks and creditors have offered the up-to-800,000 affected workers loans and payment deferments so they can keep up with their finances. At the same time, fraudulent agencies may be targeting these workers. Click the audio player above to hear the full story.
The economic effects have been largely obscured by the holidays, but will start showing up soon.